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How do I find out what my car insurance deductible is?

Here's what you need to know...
  • Your car insurance deductible is the amount that you agree to pay when you sign for your insurance policy if you have to file a claim
  • A deductible typically applies to a comprehensive or collision insurance policy
  • The amount of your deductible will be listed in your insurance policy documents
  • You may also be able to find your deductible amount on your proof of insurance card from the insurer
  • If all else fails, you can call your insurance agent and ask him or her directly about what your current deductible is

The deductible you pay on your insurance policy is the amount that you would have to pay out of your own pocket when you file a claim.

There is usually a deductible for a comprehensive or collision policy, but a basic auto liability policy does not come with a deductible.

Having a deductible means that if you hit another driver and cause damage to another person or car, then you do not have to pay to have your insurance company take care of the damage up to the set limits of your policy.

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Setting the Amount of Your Auto Insurance Deductible

Jars of coins

For some auto insurance policies, your deductible could be a percentage of the total claim amount. It is usually more common for your deductible to be set at a specific dollar amount.

Depending on the auto insurance company that you sign up with, there may be a minimum deductible amount that you are required to agree to in order to get signed up for insurance.

One of the reasons that you would want to raise the amount of your deductible on your own is that it could mean you end up paying less for your car insurance premium.

Essentially, when you raise the deductible amount you tell the insurance company that you are accepting greater risk in the event that you have to file a claim.

The other thing that makes insurance companies appreciate a higher deductible is that they know drivers will be less likely to end up filing a claim for minor damage because the customer would have to pay more from their own resources before the insurance company processes the claim.

When you are in the middle of choosing the best quotes for a car insurance policy, one of the things you should explore is how the amount of your deductible will affect your premium.

Ask each of the insurance providers that you speak with about the options that are available to you and whether it would even be possible to have your deductible set to a percentage of your claim.

The reason that many customers like a set dollar amount is that it takes away part of the uncertainty of the claims process.

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Finding Out Important Information on Your Auto Insurance Deductible

As with your other most crucial auto insurance information, the amount of your deductible is listed in your insurance policy agreement.

The deductible will probably be visible on the declarations page of your auto insurance policy.

If you do not have a copy of your auto insurance policy, you should probably contact your insurance company to have another one sent to you. They may be able to email it to you so that you receive a copy of it sooner.

Your policy is important because it includes many important details that will come in handy whenever you have to file a claim.

If you are interested in finding your deductible amount quickly, you could try checking your proof of insurance card.

Your insurance card is a credit card sized card that you should keep in your wallet or car to have at all times when you are driving.

The proof of insurance card is sent to you from your auto insurance provider when you sign up for your car insurance coverage and is even required under some states’ laws.

The deductible will be displayed on the proof of insurance card along with your vital insurance coverage information. It is meant to be a quick reference in the event of an accident or claim.

The third place you can go for information on your deductible is directly to your auto insurance company.

If you call the number for your agent, he or she should be able to provide you with this information very quickly.

Some insurance companies may even offer an online chat feature so that you could connect with a representative of the auto insurance provider without even having to pick the phone. It is really a matter of convenience for you as the customer.

Final Thoughts On How to Find Out What Your Car Insurance Deductible Is


Knowing the amount of your deductible is important when you have to file a claim for damage to your own car.

The reason why your deductible becomes important for a claim is it tells you the amount of money you are responsible for paying for the claim before the insurance company pays out for any portion of it.

Your deductible amount is typically listed on your proof of insurance card, which will also display the other coverages you have and give you contact information for your auto insurance company. It can also be found in your official policy documents.

Calling your auto insurance company is another way that you can find out the deductible amount for your policy.

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